Can you pay long-term care insurance from an HSA?
Yes, up to a limit set by age. For 2026 an HSA can pay up to $500 of a qualified long-term care policy’s premium at 40 or younger, rising to $6,200 over 70.
The rule
Qualified long-term care insurance is one of the exceptions to the rule that an HSA can’t pay premiums. How much counts depends on the age of the person covered at the end of the year. For 2026: $500 at 40 or younger, $930 from 41 to 50, $1,860 from 51 to 60, $4,960 from 61 to 70, and $6,200 over 70.
The limits are per person. Long-term care services themselves, for someone who is chronically ill and under a plan of care from a licensed practitioner, count as medical care with no such limit.
- What to keep
- The premium statements and the policy’s statement that it is a qualified contract.
- Watch for
- The policy has to be a qualified long-term care contract: guaranteed renewable, with no cash surrender value. The insurer can tell you.
Checked on October 2, 2026 against Publication 969, Health Savings Accounts, Publication 502, Medical and Dental Expenses and Rev. Proc. 2025-32. An estimate for your records, not tax advice.
Keep the receipt. Take the money out later.
Pay a medical bill yourself and Reimburse keeps the receipt, with who it was for, until you take the money out of your HSA tax-free.